'All this together shows what people should be looking for, and that doesn't necessarily mean move to some place warm, ' he said, noting that Arizona is a popular retirement destination despite ranking 29th.

"You need a sophisticated understanding of what will make you happy in retirement", Tepper said.

You've retired. It's time to kick your feet up and enjoy some much-needed relaxation. Check out Bankrate's list of the best and worst states for #retirement.

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